Information Processing Method, Device, Electronic Device and Medium of an Account

Abstract

The present disclosure provides a method, apparatus, electronic device, and medium for processing account information, which are applied to the fields of mobile Internet, 5G, and finance. The method includes: parsing a transfer instruction to obtain category information corresponding to the transfer instruction; transmitting the first communication information that passes the verification corresponding to the category information to a first financial server, so that the first financial server, based on the first communication information, transmits the second account information to a second financial server when it is determined that the verification of the first account information and the second account information of the user's second account passes, so that the second financial server transmits the second account information to a third financial server, so that the third financial server generates transfer information according to the second account information of the second account; parsing the transfer information and transmitting it to the first financial server, so that the first financial server determines whether to transfer the transfer information to the second account according to the risk level of the first account information.

Description

Technical Field

[0001] The present disclosure relates to the fields of mobile Internet, 5G, and finance, and more particularly to a method, apparatus, electronic device, medium, and program product for processing account information. Background Art

[0002] Currently, in financial institutions such as banks, many users have both personal and corporate e-banking services opened at the same bank. Such a user is both a personal e-banking user and a corporate legal person who has opened corporate e-banking at the bank.

[0003] In the process of implementing the concept of the present disclosure, the inventors found that there are at least the following problems in the related art: The mutual transfer of deposit information between personal accounts and corporate accounts requires the user to operate on two different user terminals, and the transfer operation is relatively cumbersome. Summary of the Invention

[0004] In view of the above problems, the present disclosure provides a method, apparatus, electronic device, medium, and program product for processing account information.

[0005] According to a first aspect of the present disclosure, there is provided a method for processing account information, which is applied to a 5G server. The method includes:

[0006] Parse a transfer instruction to obtain category information corresponding to the transfer instruction, where the transfer instruction is generated according to a transfer operation input by a user through a first account;

[0007] Transmit the first communication information that passes the verification and corresponds to the category information to a first financial server, so that the first financial server, based on the first communication information, when determining that the first account information of the first account and the second account information of the second account of the user pass the verification, transmits the second account information to a second financial server, so that the second financial server transmits the second account information to a third financial server, so that the third financial server generates transfer information according to the second account information of the second account, where the transfer information represents the transfer of the first account information of the first account to the second account;

[0008] Parse the transfer information and transmit it to the first financial server, so that the first financial server determines whether to transfer the transfer information to the second account according to the risk level of the first account information.

[0009] According to an embodiment of the present disclosure, the first financial server determines whether to transfer the transfer information to the second account according to the risk level of the first account information, including:

[0010] Transmit the first account information of the above user corresponding to the above transfer information to the above risk assessment application;

[0011] When the risk index of the above first account information determined by the above risk assessment application is less than or equal to the first threshold, convert the above transfer information into a message card through the above 5G server, so that the above user can operate the above message card through the above terminal to transfer the account information of the above first account to the above second account, where the above message card includes operation information for performing the transfer of the account information of the above first account to the above second account.

[0012] According to an embodiment of the present disclosure, the above first financial server determines whether to transfer the above transfer information to the above second account according to the risk level of the above first account information, and further includes:

[0013] When the risk index of the above first account information determined by the above risk assessment application is greater than the above first threshold and less than or equal to the second threshold, use the security information verification system to perform a security check on the above user information;

[0014] When the above security check passes, use the above third financial server to transmit the above user information to the above 5G server;

[0015] When the above 5G server receives the above user information, convert the above transfer information into a message card through the above 5G server.

[0016] According to an embodiment of the present disclosure, the above first financial server determines whether to transfer the above transfer information to the above second account according to the risk level of the above first account information, and further includes:

[0017] When the risk index of the above first account information determined by the above risk assessment application is greater than the third threshold, obtain and store the above user information through the above 5G server;

[0018] Determine to prohibit transferring the above transfer information to the above second account.

[0019] According to an embodiment of the present disclosure, after the above first financial server determines whether to transfer the above transfer information to the above second account according to the risk level of the above first account information, it further includes:

[0020] When it is determined to transfer the above transfer information to the above second account, update the first original information of the above first account and the second original information of the above second account respectively according to the above transfer information.

[0021] According to an embodiment of the present disclosure, the above user transfers the account information of the above first account to the above second account by operating the above message card, including:

[0022] In response to the above user operating the above message card, the above 5G server authenticates the transfer information to obtain an authentication result;

[0023] When the above authentication result meets the preset requirements, the above first financial server transfers the account information of the above first account corresponding to the above transfer information to the above second account.

[0024] According to an embodiment of the present disclosure, authenticating the transfer information through the above 5G server to obtain an authentication result includes:

[0025] When the parameter value of the transfer object in the above transfer information is less than or equal to the first preset parameter value, proofread the second communication information of the above first account and the third communication information of the above second account;

[0026] When the above second communication information and the above third communication information are the same, obtain the above authentication result that meets the above preset conditions;

[0027] When the parameter value of the first transfer object in the above transfer information is greater than the first preset parameter value, compare the secondary verification information input by the above user with the original verification information reserved in the above first financial server;

[0028] When the above secondary verification information is consistent with the above original verification information, obtain the above authentication result that meets the above preset requirements.

[0029] According to an embodiment of the present disclosure, before determining that the first account information of the above first account and the second account information of the above user's second account pass the verification, it further includes:

[0030] The above first financial server determines the fourth communication information of the above user according to the above first account information;

[0031] The above second financial server queries whether the above user has the above second account corresponding to the above category information according to the above fourth communication information;

[0032] When it is determined that the above user has the above second account, obtain the above second account information of the above second account.

[0033] According to an embodiment of the present disclosure, the above third financial server generates transfer information according to the second account information of the above second account, including:

[0034] Obtain the parameter value of the second transfer object input by the user through the above-mentioned third financial server;

[0035] Generate the above-mentioned transfer information according to the above-mentioned first account information, the above-mentioned second account information, and the parameter value of the above-mentioned second transfer object.

[0036] The second aspect of the present disclosure provides an information processing device for an account, including:

[0037] A parsing module, configured to parse a transfer instruction to obtain category information corresponding to the transfer instruction, where the transfer instruction is generated according to a transfer operation input by a user through a first account;

[0038] A transmission module, configured to transmit the first communication information that passes the verification corresponding to the category information to a first financial server, so that the first financial server, based on the first communication information, transmits the second account information to a second financial server when it is determined that the first account information of the first account and the second account information of the user's second account pass the verification, so that the second financial server transmits the second account information to a third financial server, so that the third financial server generates transfer information according to the second account information of the second account, where the transfer information represents the transfer of the first account information of the first account to the second account; and

[0039] A processing module, configured to parse the transfer information and transmit it to the first financial server, so that the first financial server determines whether to transfer the transfer information to the second account according to the risk level of the first account information.

[0040] The third aspect of the present disclosure provides an electronic device, including: one or more processors; a memory, configured to store one or more programs, where when the one or more programs are executed by the one or more processors, the one or more processors execute the above-mentioned information processing method for an account.

[0041] The fourth aspect of the present disclosure further provides a computer-readable storage medium, on which executable instructions are stored, and when the instructions are executed by a processor, the processor executes the above-mentioned information processing method for an account.

[0042] The fifth aspect of the present disclosure further provides a computer program product, including a computer program, and when the computer program is executed by a processor, the above-mentioned information processing method for an account is implemented.

[0043] According to an embodiment of the present disclosure, after a user inputs a transfer operation on a terminal, the 5G server parses a transfer instruction generated according to the transfer operation to obtain category information, thereby determining a first financial server, and transmitting corresponding first communication information to the financial server, so that the first financial server enables a third financial server to generate transfer information according to the first communication information. After the 5G server parses the transfer information, it determines whether to perform a transfer according to the risk level of the first account information. Therefore, it at least partially overcomes the technical problem that the mutual transfer of transfer information between personal accounts and corporate accounts requires the user to operate on two different user terminals, and the transfer operation is relatively cumbersome, thereby improving the convenience of mutual transfer between multiple accounts. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] Through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, the above content and other objects, features, and advantages of the present disclosure will become clearer. In the drawings:

[0045] Figure 1 Schematically shows an application scenario diagram of an information processing method according to an embodiment of the present disclosure;

[0046] Figure 2 Schematically shows a flowchart of an information processing method for an account according to an embodiment of the present disclosure;

[0047] Figure 3 Schematically shows a flowchart of an information processing method for an account according to another embodiment of the present disclosure;

[0048] Figure 4 Schematically shows a structural block diagram of an information processing device for an account according to an embodiment of the present disclosure; and

[0049] Figure 5 Schematically shows a block diagram of an electronic device for implementing an information processing method for an account according to an embodiment of the present disclosure. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0050] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are merely exemplary and are not intended to limit the scope of the present disclosure. In the following detailed description, for the sake of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is obvious that one or more embodiments can also be implemented without these specific details. In addition, in the following description, descriptions of well-known structures and technologies are omitted to avoid unnecessarily confusing the concepts of the present disclosure.

[0051] The terms used herein are for the purpose of describing particular embodiments only and are not intended to limit the disclosure. The terms "including", "comprising" and the like as used herein indicate the presence of the recited features, steps, operations and / or components, but do not preclude the presence or addition of one or more other features, steps, operations or components.

[0052] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those of ordinary skill in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification and should not be interpreted in an idealized or overly rigid manner.

[0053] In the case of using expressions such as "at least one of A, B, and C, etc.", generally it should be interpreted according to the meaning commonly understood by those of ordinary skill in the art (for example, "a system having at least one of A, B, and C" should include, but is not limited to, a system having only A, only B, only C, having A and B, having A and C, having B and C, and / or having A, B, and C, etc.).

[0054] In traditional banks, the corporate e-banking (corporate identity) and personal e-banking of the same legal person are isolated from each other, and the corporate entity has characteristics such as involving multiple applications, long transaction links, and complex logics during the business handling process. Every time a user handles a business, it is necessary to synchronize the business information results on different user terminals, thus causing a problem of poor user experience.

[0055] For example, when a user transfers personal funds to a corporate account through a personal bank user terminal, it is necessary to first obtain the personal bank user terminal and log in with the personal identity through the personal unified pass. After logging in, enter the corresponding function column of

Personal to Corporate

[0056] In view of this, the inventors have found that it is possible to complete the mutual transfer of deposit information between multiple accounts of the same user in a single dialog box in the form of sending 5G messages through a 5G server.

[0057] Specifically, embodiments of the present disclosure provide a method, apparatus, electronic device, medium, and program product for processing account information. The method includes: parsing a transfer instruction to obtain category information corresponding to the transfer instruction; transmitting the first communication information that passes the verification corresponding to the category information to a first financial service end, so that the first financial service end, based on the first communication information, when determining that the verification of the first account information and the second account information of the user's second account passes, transmits the second account information to a second financial service end, so that the second financial service end transmits the second account information to a third financial service end, so that the third financial service end generates transfer information according to the second account information of the second account; parsing the transfer information and transmitting it to the first financial service end, so that the first financial service end determines whether to transfer the transfer information to the second account according to the risk level of the first account information.

[0058] In the technical solution of the present disclosure, the collection, storage, use, processing, transmission, provision, disclosure, and application, etc., of the user's personal information (such as communication information, account information, etc.) all comply with the provisions of relevant laws and regulations, take necessary confidentiality measures, and do not violate public order and good customs.

[0059] In the technical solution of the present disclosure, before obtaining or collecting the user's personal information, the authorization or consent of the user is obtained.

[0060] It should be noted that the method and apparatus for processing account information of the present disclosure can be used in the financial field, such as financial institutions such as banks, and can also be used in any field other than the financial field, such as medical institutions such as hospitals. Therefore, the application field of the method and apparatus for processing account information of the present disclosure is not limited.

[0061] Figure 1 An application scenario diagram of the information processing method according to an embodiment of the present disclosure is schematically shown.

[0062] As Figure 1 shown, the application scenario 100 according to this embodiment may include a transfer service within a bank. The network 102 is a medium for providing a communication link between the terminal device 101, the 5G service end 103, the first financial service end 104, the second financial service end 105, and the third financial service end 106. The network 102 may include various connection types, such as wired, wireless communication links, or fiber optic cables, etc.

[0063] The user can use the terminal device 101 to interact with the 5G server 103, the first financial server 104, the second financial server 105, and the third financial server 106 through the network 102 to receive or send messages, etc. Various communication client applications can be installed on the terminal device 101, such as bank client applications for transfer and the like, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only for example).

[0064] The terminal device 101 can be various electronic devices with a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop computers, desktop computers, and so on.

[0065] The 5G server 103, the first financial server 104, the second financial server 105, and the third financial server 106 can be servers providing various services, such as a background management server that supports the transfer operations requested by users using the terminal device 101 (only for example). The background management server can analyze and process data such as user requests received, and feedback the processing results to the terminal device.

[0066] It should be noted that the account information processing method provided by the embodiments of the present disclosure can generally be executed by the 5G server 103. Correspondingly, the account information processing device provided by the embodiments of the present disclosure can generally be set in the 5G server 103.

[0067] It should be understood that Figure 1 the numbers of the terminal devices, networks, and servers in

[0068] Figure 2 is only illustrative. According to the implementation requirements, there can be any number of terminal devices, networks, and servers.

[0069] As Figure 2 shown, the account information processing method 200 of this embodiment includes operation S210 to operation S230, and this transaction processing method can be executed by the 5G server.

[0070] In operation S210, parse the transfer instruction to obtain the category information corresponding to the transfer instruction, where the transfer instruction is generated according to the transfer operation input by the user through the first account.

[0071] In operation S220, the first communication information that passes the verification corresponding to the category information is transmitted to the first financial service end, so that based on the first communication information, when the first financial service end determines that the verification of the first account information of the first account and the second account information of the user's second account passes, the second account information is transmitted to the second financial service end, so that the second financial service end transmits the second account information to the third financial service end, so that the third financial service end generates a transfer deposit information according to the second account information of the second account, where the transfer deposit information represents the information that the first account information of the first account is transferred and deposited into the second account.

[0072] In operation S230, the transfer deposit information is parsed and transmitted to the first financial service end, so that the first financial service end determines whether to transfer and deposit the transfer deposit information into the second account according to the risk level of the first account information.

[0073] In an exemplary embodiment, the first account may refer to the personal account of a legal person, the second account may refer to the corporate account of a legal person, and the category information may refer to the account category used to identify the transfer instruction. The first financial service end may be a personal bank service end, the second financial service end may be a corporate bank service end, the third financial service end may be a legal person bank service end, and the 5G service end may refer to the operator 5G service end.

[0074] According to an embodiment of the present disclosure, the user generates a transfer instruction by inputting a transfer operation in the dialog box of the legal person bank user end and sends it to the 5G service end in the form of a 5G message. The 5G service end parses the transfer instruction, can determine the corresponding category information, and transmits the type information and the corresponding first communication information that passes the verification to the first financial service end. The first financial service end determines whether the user has opened the corporate account of the legal person (i.e., the second account). If the second account is opened, the first financial service end transmits the second account information of the second account to the third financial service end through the second financial service end.

[0075] According to an embodiment of the present disclosure, the third financial service end determines the transfer deposit information transferred from the first account to the second account according to the second account information of the user, for example, the amount of the transfer deposit. After the 5G service end parses the transfer deposit information, it is transmitted to the first financial service end. The first financial service end judges the risk level of the first account information, such as whether there is a money laundering risk, and determines whether to transfer the transfer deposit information from the first account information to the second account after determining the risk level.

[0076] In another exemplary embodiment, the first account may refer to the enterprise account of a legal person, the second account may refer to the personal account of a legal person, and the category information may refer to the account category used to identify the transfer instruction. The first financial server may be an enterprise banking server, the second financial server may be a personal banking server, the third financial server may be a legal person banking server, and the 5G server may refer to the operator's 5G server.

[0077] According to an embodiment of the present disclosure, after the user inputs a transfer operation on the terminal, the 5G server parses the transfer instruction generated according to the transfer operation to obtain category information, thereby determining the first financial server, and transmitting the corresponding first communication information to the financial server, so that the first financial server enables the third financial server to generate transfer information according to the first communication information. After parsing the transfer information, the 5G server determines whether to perform the transfer according to the risk level of the first account information. Therefore, at least partially, it overcomes the technical problem that the transfer of information between personal accounts and corporate accounts requires the user to operate on two different user terminals, and the transfer operation is relatively cumbersome, thereby improving the convenience of mutual transfer between multiple accounts.

[0078] According to an embodiment of the present disclosure, the first financial server determines whether to transfer the transfer information to the second account according to the risk level of the first account information, which may include the following operations:

[0079] Transmit the first account information of the user corresponding to the transfer information to the risk assessment application. When the risk assessment application determines that the risk index of the first account information is less than or equal to the first threshold, the 5G server converts the transfer information into a message card, so that the user can operate the message card through the terminal to transfer the account information of the first account to the second account, where the message card includes operation information for performing the transfer of the account information of the first account to the second account.

[0080] According to an embodiment of the present disclosure, the risk assessment application can quantify the risk level. For example, the risk level can be mapped between 0 and 100%, and 30% within this range can be set as the first threshold. The setting of the first threshold is to divide the low-risk level. It should be noted that the specific value of the first threshold can be adaptively adjusted according to the actual situation.

[0081] According to an embodiment of the present disclosure, when the risk assessment application determines that the risk index of the first account information is less than or equal to the first threshold, that is, the first account information is a low-risk account, the 5G server can be used to convert the transfer information into a message card, so that it is convenient for the user to operate in the message card to transfer the account information of the first account to the second account.

[0082] According to an embodiment of the present disclosure, the message card may be a card in a short message, or a card pushed by a public account.

[0083] According to an embodiment of the present disclosure, the first financial server determines whether to transfer the transfer information to the second account according to the risk level of the first account information, and may further include the following operations:

[0084] When the risk assessment application determines that the risk index of the first account information is greater than the first threshold and less than or equal to the second threshold, the security information verification system is used to perform a security check on the user information. When the security check passes, the third financial server is used to transmit the user information to the 5G server. When the 5G server receives the user information, the transfer information is converted into a message card through the 5G server.

[0085] According to an embodiment of the present disclosure, the verification methods of the security information verification system include but are not limited to password and security medium, fingerprint recognition, voiceprint recognition, face recognition, etc.

[0086] According to an embodiment of the present disclosure, the interval range determined by the first threshold and the second threshold may be characterized as a medium risk level. When completing the transfer operation for the first account information within this interval range, a security check needs to be performed on the user corresponding to the first account information. For example, the face verification system is called to perform a security check on the user's identity.

[0087] According to an embodiment of the present disclosure, when the security check passes, the third financial server uploads the user information to the 5G server for retention, and then the 5G server converts the transfer information into a message card.

[0088] According to an embodiment of the present disclosure, the setting of the second threshold can also be specifically set according to specific circumstances. For example, it can be set to 80% or 60%, etc.

[0089] According to an embodiment of the present disclosure, the first financial server determines whether to transfer the transfer information to the second account according to the risk level of the first account information, and may further include the following operations:

[0090] When the risk assessment application determines that the risk index of the first account information is greater than the third threshold, the user information is obtained and stored through the 5G server. It is determined that the transfer information is prohibited from being transferred to the second account.

[0091] According to an embodiment of the present disclosure, the user information may include but is not limited to the user's contact information, first account information, second account information, and risk index, etc.

[0092] According to an embodiment of the present disclosure, a risk index greater than a third threshold may indicate that the first account information is at a high-risk level. In the case where it is determined that the first account information is at a high-risk level, the 5G server may retain and archive the user information corresponding to the first account, and prohibit transferring the information in the first account information to the second account information.

[0093] According to an embodiment of the present disclosure, by using a risk assessment application to perform a security check on the first account information, it is possible to prevent a user from performing illegal operations between the first account and the second account.

[0094] According to an embodiment of the present disclosure, after the first financial server determines whether to transfer the transfer information to the second account according to the risk level of the first account information, the following operations may further be included:

[0095] In the case where it is determined to transfer the transfer information to the second account, update the first original information of the first account and the second original information of the second account according to the transfer information respectively.

[0096] According to an embodiment of the present disclosure, after completing the above transfer operation, the first original information in the first account and the second original information in the second account may be updated. For example, when performing a transfer operation, the account balances in the first account and the second account may be updated according to the transfer amount.

[0097] According to an embodiment of the present disclosure, for a user to transfer the account information of the first account to the second account by operating a message card, the following operations may be included:

[0098] In response to the user operating the message card, the 5G server authenticates the transfer information to obtain an authentication result. In the case where the authentication result meets the preset requirements, the first financial server transfers the account information of the first account corresponding to the transfer information to the second account.

[0099] According to an embodiment of the present disclosure, the preset requirements may be the transfer amount during a transfer, such as small-amount password-free payment.

[0100] According to an embodiment of the present disclosure, in the case where the user operates the message card, authenticate the transfer information to determine whether the transfer information meets the preset requirements. In the case where the preset requirements are met, the first financial server transfers the account information of the first account corresponding to the transfer information to the second account.

[0101] According to an embodiment of the present disclosure, for the 5G server to authenticate the transfer information to obtain an authentication result, the following operations may be included:

[0102] When the parameter value of the transfer object in the transferred information is less than or equal to the first preset parameter value, the second communication information of the first account and the third communication information of the second account are verified. When the second communication information and the third communication information are the same, an authentication result that meets the preset conditions is obtained. When the parameter value of the first transfer object in the transferred information is greater than the first preset parameter value, the secondary verification information input by the user is compared with the original verification information reserved in the first financial server. When the secondary verification information is consistent with the original verification information, an authentication result that meets the preset requirements is obtained.

[0103] According to an embodiment of the present disclosure, the first preset parameter value may be the maximum amount corresponding to small-amount passwordless payment. The secondary verification information can be verified through, but not limited to, payment passwords, password devices, and USB tokens.

[0104] According to an embodiment of the present disclosure, when it is determined that the parameter value of the transfer object is less than or equal to the first preset parameter, the second communication information of the first account and the third communication information of the second account are verified to ensure that both accounts belong to the same user, so that after obtaining an authentication result that meets the preset conditions, the transfer object is transferred from the first account information to the second account information.

[0105] According to an embodiment of the present disclosure, when it is determined that the parameter value of the transfer object is greater than the first preset parameter, the 5G server can compare the input secondary verification information with the original verification information reserved in the first financial server to determine whether they are the same. If they are the same, an authentication result that meets the preset conditions is obtained.

[0106] According to an embodiment of the present disclosure, before determining that the first account information of the first account and the second account information of the user's second account pass the verification, the following operations may further be included:

[0107] The first financial server determines the user's fourth communication information according to the first account information. The second financial server queries whether the user has a second account corresponding to the category information according to the fourth communication information. When it is determined that the user has a second account, the second account information of the second account is obtained.

[0108] According to an embodiment of the present disclosure, the first financial server determines the fourth communication information of the user according to the first account information, so that the second financial server can query whether the fourth communication information has a second account corresponding to the category information. When there is a second account, the second financial server transmits the second account information to the third financial server so that the third financial server generates transfer information according to the second account information of the second account.

[0109] According to an embodiment of the present disclosure, the third financial server generates rollover information based on the second account information of the second account, which may include the following operations:

[0110] Obtain the parameter value of the second rollover object input by the user through the third financial server. Generate rollover information according to the first account information, the second account information, and the parameter value of the second rollover object.

[0111] According to an embodiment of the present disclosure, use the third financial server to obtain the second rollover object input by the user, and generate rollover information in combination with the first account information and the second account information. For example, during the transfer process, rollover information can be generated according to the transfer amount of the second rollover object, the account number of the first account information, and the account number of the second account information.

[0112] For the convenience of exemplarily explaining the information processing method of the account, a specific usage scenario will be introduced below for explanation.

[0113] Scenario 1: Transfer from a legal person's personal account (the first account) to an enterprise account (the second account)

[0114] Figure 3 Schematically shows a flowchart of an information processing method of an account according to another embodiment of the present disclosure.

[0115] As Figure 3 shown, Scenario 1 is that the legal person, based on the 5G message method, invokes the personal bank server (the first financial server) and the enterprise bank user terminal (the second financial server) through the 5G server to realize the transfer from the legal person's personal account to the enterprise account within a single dialog box. The specific steps are as follows:

[0116] Step 1, the user inputs and sends the password for applying to transfer the personal account to the enterprise account in the form of a 5G message through the legal person's bank user terminal (the third financial server) to the operator's 5G server (the 5G server).

[0117] Step 2, the operator's 5G server parses the password, obtains the personal information and verifies the personal information. After the verification is passed, the category information and the mobile phone number (the first communication information) are sent to the personal bank server.

[0118] Step 3: The personal banking service receives the user's mobile phone number information and learns the user's needs. It uses the mobile phone number to call the pass interface to verify the user's identity. The following judgments are made through the online interface: (1) Whether the user has opened the corporate finance function, that is, whether the agreement has been signed and the prerequisites are met. (2) If (1) is passed, all accounts that have opened the corporate finance function are queried through the pass as the payer and returned to the operator's 5G service. (3) At the same time, the corporate banking service is called to query the reserved ID card information through the corporate mobile phone number, and use the mobile phone number and ID card information to query the corporate banking service interface to query the corporate account and corporate company information that have been bound to the corporate finance, and send it to the operator's 5G service according to the company name and the account number under the company name as the payee.

[0119] Step 4: The operator's 5G server returns the above-queried information (the second account information of the second account) to the corporate bank user terminal in the form of a 5G message.

[0120] Step 5. The legal person selects the payment account to be transferred to the corporate account from the returned account (second account) through the legal person banking service end, selects the receiving account number, and enters the amount (second transfer object). The legal person banking service end sends the above information (transfer information) to the operator's 5G service end in the form of a 5G message.

[0121] Step 6: The operator's 5G server parses the above information and sends it to the personal banking server. The personal banking server retrieves user information through the mobile phone number as a unified authentication method, and then sends the user information (including mobile phone number, account information and risk identification) to the risk assessment application. The risk assessment application determines the risk level based on the user's different risk level configuration and reads different materials.

[0122] If the individual's anti-money laundering risk level is low or medium-low, the corporate banking service will send the low-risk corresponding materials to the operator's 5G service and form a 5G message card. After the user clicks the card button and completes the corresponding operation, it will proceed to the next step.

[0123] If the personal anti-money laundering risk level is medium or medium-high, the corporate banking service will send the corresponding materials of medium or medium-high risk to the operator's 5G service and form a 5G message card. The user clicks the card button and completes the corresponding operation, then the face verification system will be called up. After the verification is passed, the next step will be carried out. If it fails, the user transaction will be rejected.

[0124] If the individual's anti-money laundering risk level is high, the corporate banking service will send the high-risk corresponding materials (user information) to the operator's 5G service and generate a 5G message card to reject user transactions.

[0125] In step 7, the personal banking service end continues to determine the transaction amount of the transaction (the parameter value of the transfer object), and queries and determines the transaction authentication method information through the legal person financial protocol interface. The authentication methods include but are not limited to the following: password and security media, fingerprint recognition, voiceprint recognition, face recognition, etc. After completing the authentication, the personal banking service end sends the account movement instruction information to the host (updates the first original information of the first account and the second original information of the second account).

[0126] Scenario 2: Transfer from corporate account (first account) to legal person's personal account (second account)

[0127] Scenario 2 is that the legal person uses 5G messaging to call the corporate banking service end (first financial service end), personal banking service end (second financial service end) and other systems through the 5G server to realize the transfer of the legal person's corporate account to the personal account in a single dialog box. The specific steps are as follows:

[0128] Step 1: The user enters the password for transferring the corporate account to the legal person's personal account through the legal person bank service end (third financial service end) in the form of a 5G message and sends it to the operator's 5G server end (5G server end).

[0129] Step 2: The operator's 5G server parses the password, obtains the enterprise information and verifies the enterprise information. After the verification, the category information, login number and company number are sent to the corporate banking server.

[0130] Step 3: The corporate banking service receives the information and obtains the user's legal person information based on the login number and company number, and verifies the company number and user identity through the interface. The following judgments are made through the online interface: 1. Whether the user has activated legal person finance (i.e., the personal account and corporate account are linked in advance). 2. If (1) is passed, the mobile phone number and ID card are verified, and the account number and legal person company information that have been bound to the legal person finance are queried. According to the company name and the account number under the company name, as the payee, it is sent to the operator's 5G service. 3. At the same time, the personal banking service is called to query the reserved ID card information through the legal person's mobile phone number, and the personal banking service interface is queried with the mobile phone number. All personal accounts under the name that have activated the legal person financial function are queried through the pass as the payee, and returned to the operator's 5G service.

[0131] Step 4: The operator's 5G server returns the information to the corporate bank server in the form of a 5G message.

[0132] Step 5. The legal person selects the payment account (second account) to be transferred to the corporate account from the returned accounts through the legal person banking service end, selects the payment account number (first account), and enters the amount (parameter value of the transfer object). The legal person banking service end sends the above information (transfer information) to the operator's 5G service end in the form of a 5G message.

[0133] Step 6: The operator's 5G server parses the above information (the saved information) and uploads it to the enterprise bank server. The enterprise bank server uses the company number as the unified authentication method and determines the risk level of the enterprise user in the enterprise mobile banking through the risk assessment application.

[0134] 1. If the anti-money laundering risk level of the enterprise corresponding to the company number is low or medium-low, a 5G message card is formed. After the user clicks the card button and completes the corresponding operation, the next step is entered.

[0135] 2. If the anti-money laundering risk level of the enterprise corresponding to the company number is medium or medium-high, the enterprise bank server feeds back to the operator's 5G server. The operator's 5G server invokes the face verification system. After passing the verification, the next step is carried out. If not passed, the user's transaction is rejected.

[0136] 3. If the enterprise anti-money laundering risk level is high, the transaction is rejected and the corresponding high-risk materials (user information) are uploaded to the operator's 5G server.

[0137] Step 7: The enterprise bank server continues to judge the transaction amount (the parameter value of the transfer object) of the transaction, and queries and judges the transaction authentication method information through the legal person financial agreement interface. The authentication methods include but are not limited to the following: password and security medium, fingerprint recognition, voiceprint recognition, face recognition, etc. The transaction authentication method result is returned to the operator's 5G server. After the user completes the authentication, the enterprise bank server uploads the account movement instruction information to the host (updating the first original information of the first account and the second original information of the second account).

[0138] Based on the above account information processing method, the present disclosure also provides an account information processing device. The following will be combined with Figure 4 to describe this device in detail.

[0139] Figure 4 Schematically shows a structural block diagram of an account information processing device according to an embodiment of the present disclosure.

[0140] As Figure 4 shown, the account information processing device 400 of this embodiment includes a parsing module 410, a transmission module 420, and a processing module 430.

[0141] The parsing module 410 is used to parse the transfer instruction to obtain the category information corresponding to the transfer instruction, where the transfer instruction is generated according to the transfer operation input by the user through the first account; in one embodiment, the parsing module 410 can be used to execute the operation S210 described above, which will not be elaborated here.

[0142] A transmission module 420 is configured to transmit the first communication information that has passed the verification and corresponds to the category information to the first financial server, so that based on the first communication information, when the first financial server determines that the verification of the first account information of the first account and the second account information of the user's second account has passed, the second account information is transmitted to the second financial server, so that the second financial server transmits the second account information to the third financial server, so that the third financial server generates a transfer deposit information according to the second account information of the second account, where the transfer deposit information represents the information that the first account information of the first account is transferred to the second account; in one embodiment, the transmission module 420 can be used to perform the operation S220 described above, which will not be elaborated here.

[0143] A processing module 430 is configured to parse the transfer deposit information and transmit it to the first financial server, so that the first financial server determines whether to transfer the transfer deposit information to the second account according to the risk level of the first account information; in one embodiment, the processing module 430 can be used to perform the operation S230 described above, which will not be elaborated here.

[0144] According to an embodiment of the present disclosure, after the user inputs a transfer deposit operation on the terminal, the 5G server parses the transfer deposit instruction generated according to the transfer deposit operation to obtain category information, thereby determining the first financial server and transmitting the corresponding first communication information to the financial server, so that the first financial server enables the third financial server to generate transfer deposit information according to the first communication information. After the 5G server parses the transfer deposit information, it determines whether to perform the transfer according to the risk level of the first account information. Therefore, at least partially, it overcomes the technical problem that the mutual transfer of transfer deposit information between personal accounts and corporate accounts requires the user to operate on two different user terminals, and the transfer operation is relatively cumbersome, thereby improving the convenience of mutual transfer between multiple accounts.

[0145] According to an embodiment of the present disclosure, the first financial server determines whether to transfer the transfer deposit information to the second account according to the risk level of the first account information, including:

[0146] Transmitting the first account information of the user corresponding to the transfer deposit information to the risk assessment application;

[0147] When the risk assessment application determines that the risk index of the first account information is less than or equal to the first threshold, the transfer deposit information is converted into a message card through the 5G server, so that the user can operate the message card through the terminal to transfer the account information of the first account to the second account, where the message card includes operation information for performing the transfer of the account information of the first account to the second account.

[0148] According to an embodiment of the present disclosure, the first financial server determines whether to transfer the transfer information to the second account according to the risk level of the first account information, and further includes:

[0149] When the risk assessment application determines that the risk index of the first account information is greater than the first threshold and less than or equal to the second threshold, the security information verification system is used to perform a security check on the user information;

[0150] When the security check passes, the third financial server is used to transmit the user information to the 5G server;

[0151] When the 5G server receives the user information, the transfer information is converted into a message card through the 5G server.

[0152] According to an embodiment of the present disclosure, the first financial server determines whether to transfer the transfer information to the second account according to the risk level of the first account information, and further includes:

[0153] When the risk assessment application determines that the risk index of the first account information is greater than the third threshold, the user information is obtained and stored through the 5G server;

[0154] It is determined that it is prohibited to transfer the transfer information to the second account.

[0155] According to an embodiment of the present disclosure, the information processing device of the account may further include an update module.

[0156] The update module is used to, when it is determined to transfer the transfer information to the second account, update the first original information of the first account and the second original information of the second account according to the transfer information respectively.

[0157] According to an embodiment of the present disclosure, the user transfers the account information of the first account to the second account by operating the message card, including:

[0158] In response to the user operating the message card, the 5G server performs a transaction authentication on the transfer information to obtain an authentication result;

[0159] When the authentication result meets the preset requirements, the first financial server transfers the account information of the first account corresponding to the transfer information to the second account.

[0160] According to an embodiment of the present disclosure, performing a transaction authentication on the transfer information through the 5G server to obtain an authentication result includes:

[0161] When the parameter value of the transfer object in the transfer information is less than or equal to the first preset parameter value, the second communication information of the first account and the third communication information of the second account are verified;

[0162] When the second communication information and the third communication information are the same, the authentication result that meets the preset condition is obtained;

[0163] When the parameter value of the first transfer object in the transfer information is greater than the first preset parameter value, the secondary verification information input by the user is compared with the original verification information reserved in the first financial server;

[0164] When the secondary verification information is consistent with the original verification information, the authentication result that meets the preset requirements is obtained.

[0165] According to an embodiment of the present disclosure, before determining that the first account information of the first account and the second account information of the second account of the user pass the verification, it further includes:

[0166] The first financial server determines the fourth communication information of the user according to the first account information;

[0167] The second financial server queries whether the user has the second account corresponding to the category information according to the fourth communication information;

[0168] When it is determined that the user has the second account, the second account information of the second account is obtained.

[0169] According to an embodiment of the present disclosure, the third financial server generates transfer information according to the second account information of the second account, including:

[0170] The third financial server obtains the parameter value of the second transfer object input by the user;

[0171] The transfer information is generated according to the first account information, the second account information and the parameter value of the second transfer object.

[0172] According to an embodiment of the present disclosure, any of the parsing module 410, the transmission module 420, and the processing module 430 may be combined and implemented in one module, or any one of them may be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules may be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the parsing module 410, the transmission module 420, and the processing module 430 may be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on chip, a system on a substrate, a system in a package, an application specific integrated circuit (ASIC), or any other reasonable manner of integrating or packaging circuits, etc., implemented by hardware or firmware, or implemented in any one of the three implementation manners of software, hardware, and firmware, or in an appropriate combination of any several of them. Alternatively, at least one of the parsing module 410, the transmission module 420, and the processing module 430 may be at least partially implemented as a computer program module, which can perform corresponding functions when the computer program module is run.

[0173] Figure 5 FIG. schematically shows a block diagram of an electronic device suitable for implementing an information processing method for an account according to an embodiment of the present disclosure.

[0174] As Figure 5 shown, the electronic device 500 according to an embodiment of the present disclosure includes a processor 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 502 or a program loaded from a storage section 508 into a random access memory (RAM) 503. The processor 501 may include, for example, a general microprocessor (such as a CPU), an instruction set processor, and / or a related chipset, and / or a dedicated microprocessor (such as an application specific integrated circuit (ASIC)), etc. The processor 501 may also include on-board memory for caching purposes. The processor 501 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0175] In the RAM 503, various programs and data required for the operation of the electronic device 500 are stored. The processor 501, the ROM 502, and the RAM 503 are connected to each other through a bus 504. The processor 501 performs various operations of the method flow according to an embodiment of the present disclosure by executing the programs in the ROM 502 and / or the RAM 503. It should be noted that the program may also be stored in one or more memories other than the ROM 502 and the RAM 503. The processor 501 may also perform various operations of the method flow according to an embodiment of the present disclosure by executing the programs stored in the one or more memories.

[0176] According to an embodiment of the present disclosure, the electronic device 500 may further include an input / output (I / O) interface 505, and the input / output (I / O) interface 505 is also connected to the bus 504. The electronic device 500 may further include one or more of the following components connected to the I / O interface 505: an input portion 506 including a keyboard, a mouse, etc.; an output portion 507 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc. and a speaker, etc.; a storage portion 508 including a hard disk, etc.; and a communication portion 509 including a network interface card such as a LAN card, a modem, etc. The communication portion 509 performs communication processing via a network such as the Internet. The drive 510 is also connected to the I / O interface 505 as needed. A removable medium 511, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 510 as needed so that a computer program read from it is installed into the storage portion 508 as needed.

[0177] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist separately without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the one or more programs are executed, the method according to the embodiments of the present disclosure is implemented.

[0178] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, it may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present disclosure, the computer-readable storage medium may be any tangible medium that contains or stores a program, and the program may be used by or in combination with an instruction execution system, apparatus, or device. For example, according to an embodiment of the present disclosure, the computer-readable storage medium may include the above-described ROM 502 and / or RAM 503 and / or one or more memories other than ROM 502 and RAM 503.

[0179] An embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program includes program code for executing the method shown in the flowchart. When the computer program product runs in a computer system, the program code is used to cause the computer system to implement the information processing method of the account provided by the embodiments of the present disclosure.

[0180] When the computer program is executed by the processor 501, the above functions defined in the system / apparatus of the embodiments of the present disclosure are performed. According to an embodiment of the present disclosure, the above-described systems, apparatuses, modules, units, etc. can be implemented by computer program modules.

[0181] In one embodiment, the computer program can rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program can also be transmitted and distributed in the form of a signal on a network medium, and be downloaded and installed through the communication part 509, and / or be installed from the removable medium 511. The program code included in the computer program can be transmitted by any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0182] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 509, and / or be installed from the removable medium 511. When the computer program is executed by the processor 501, the above functions defined in the system of the embodiments of the present disclosure are performed. According to an embodiment of the present disclosure, the above-described systems, devices, apparatuses, modules, units, etc. can be implemented by computer program modules.

[0183] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiments of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages include but are not limited to, such as Java, C++, python, the "C" language, or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on a remote computing device, or entirely on a remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, by using an Internet service provider to connect through the Internet).

[0184] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagram may represent a module, a segment of a program, or a portion of code, which contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions noted in the blocks may occur in a different order than that noted in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, or they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram or flowchart, and combinations of blocks in the block diagram or flowchart, can be implemented by a dedicated hardware-based system that performs the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0185] Those skilled in the art will appreciate that the features recited in the various embodiments and / or claims of the present disclosure may be combined in various ways and / or combinations, even if such combinations or combinations are not explicitly recited in the present disclosure. In particular, without departing from the spirit and teachings of the present disclosure, the features recited in the various embodiments and / or claims of the present disclosure may be combined in various ways and / or combinations. All such combinations and / or combinations fall within the scope of the present disclosure.

[0186] The embodiments of the present disclosure have been described above. However, these embodiments are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments have been described separately above, this does not mean that the measures in the various embodiments cannot be used advantageously in combination. The scope of the present disclosure is defined by the appended claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art can make various substitutions and modifications, and all such substitutions and modifications should fall within the scope of the present disclosure.

Claims

1. An information processing method for an account, applied to a 5G server, the method comprising: Parsing a transfer instruction to obtain category information corresponding to the transfer instruction, wherein the transfer instruction is a transfer password generated by a user's transfer operation of transferring a first account to a second account in the form of a 5G message through a third financial server, and is sent to the 5G server in the form of 5G to generate the transfer password; Transmitting the first communication information that passes the verification corresponding to the category information to the first financial server, so that the first financial server, based on the first communication information, when determining that the first account information of the first account and the second account information of the user's second account pass the verification, transmits the second account information to the second financial server, so that the second financial server transmits the second account information to the third financial server, so that the third financial server generates transfer information according to the second account information of the second account, wherein the transfer information represents the information that the first account information of the first account is transferred to the second account; Parsing the transfer information and transmitting it to the first financial server, so that the first financial server determines whether to transfer the transfer information to the second account according to the risk level of the first account information; Wherein, the first financial server determines whether to transfer the transfer information to the second account according to the risk level of the first account information, including: Transmitting the first account information of the user corresponding to the transfer information to the risk assessment application; When the risk assessment application determines that the risk index of the first account information is less than or equal to a first threshold, converting the transfer information into a message card through the 5G server, so that the user can operate the message card through a terminal to transfer the account information of the first account to the second account, wherein the message card includes operation information for performing the operation of transferring the account information of the first account to the second account.

2. The method according to claim 1, wherein The first financial server determines whether to transfer the transfer information to the second account according to the risk level of the first account information, further including: When the risk assessment application determines that the risk index of the first account information is greater than the first threshold and less than or equal to a second threshold, using a security information verification system to perform a security check on the user information; When the security check passes, using the third financial server to transmit the user information to the 5G server; When the 5G server receives the user information, converting the transfer information into a message card through the 5G server.

3. The method according to claim 1, wherein The first financial server determines whether to transfer the transfer information to the second account according to the risk level of the first account information, further including: When the risk assessment application determines that the risk index of the first account information is greater than a third threshold, obtaining and storing the user information through the 5G server; Determining to prohibit transferring the transfer information to the second account.

4. The method according to any one of claims 1 to 3, wherein, After the first financial service end determines whether to transfer the transfer information to the second account according to the risk level of the first account information, the following steps are further included: In the case of determining to transfer the transfer information to the second account, update the first original information of the first account and the second original information of the second account respectively according to the transfer information.

5. The method according to claim 1 or 2, wherein The user transfers the account information of the first account to the second account by operating the message card, including: In response to the user operating the message card, the 5G service end conducts transaction authentication on the transfer information to obtain an authentication result; In the case where the authentication result meets the preset requirements, the first financial service end transfers the account information of the first account corresponding to the transfer information to the second account.

6. The method according to claim 5, wherein The conducting of transaction authentication on the transfer information by the 5G service end to obtain an authentication result includes: In the case where the parameter value of the transfer object in the transfer information is less than or equal to the first preset parameter value, proofread the second communication information of the first account and the third communication information of the second account; In the case where the second communication information and the third communication information are the same, obtain the authentication result that meets the preset conditions; In the case where the parameter value of the first transfer object in the transfer information is greater than the first preset parameter value, compare the secondary verification information input by the user with the original verification information reserved in the first financial service end; In the case where the secondary verification information is consistent with the original verification information, obtain the authentication result that meets the preset requirements.

7. The method according to claim 1, wherein, Before determining that the first account information of the first account and the second account information of the second account of the user pass the verification, the following steps are further included: The first financial service end determines the fourth communication information of the user according to the first account information; The second financial service end queries whether the user has the second account corresponding to the category information according to the fourth communication information; In the case of determining that the user has the second account, obtain the second account information of the second account.

8. The method according to claim 1, wherein The third financial service end generates transfer information according to the second account information of the second account, including: The third financial service end obtains the parameter value of the second transfer object input by the user; Generate the transfer information according to the first account information, the second account information and the parameter value of the second transfer object.

9. An information processing device for an account, including: A parsing module, configured to parse a transfer instruction to obtain category information corresponding to the transfer instruction, where the transfer instruction is a transfer password generated by a user's transfer operation of transferring a first account to a second account in the form of a 5G message through a third financial service end, and is sent to the 5G service end in the form of 5G to generate the transfer password; A transmission module, configured to transmit the first communication information that has passed the verification corresponding to the category information to a first financial server, so that based on the first communication information, when the first financial server determines that the verification of the first account information of the first account and the second account information of the second account of the user has passed, the second account information is transmitted to a second financial server, so that the second financial server transmits the second account information to a third financial server, so that the third financial server generates a transfer information according to the second account information of the second account, wherein the transfer information represents the information that the first account information of the first account is transferred to the second account; and A processing module, configured to parse the transfer information and transmit it to the first financial server, so that the first financial server determines whether to transfer the transfer information to the second account according to the risk level of the first account information; wherein, the processing module is specifically configured to: Transmit the first account information of the user corresponding to the transfer information to the risk assessment application; When the risk assessment application determines that the risk index of the first account information is less than or equal to a first threshold, convert the transfer information into a message card through a 5G server, so that the user can operate the message card through a terminal to transfer the account information of the first account to the second account, wherein the message card includes operation information for performing the operation of transferring the account information of the first account to the second account.

10. An electronic device, comprising: One or more processors; A storage device, configured to store one or more programs, wherein, when the one or more programs are executed by the one or more processors, the one or more processors are caused to execute the method according to any one of claims 1 to 8.

11. A computer-readable storage medium, having executable instructions stored thereon, which when executed by a processor cause the processor to execute the method according to any one of claims 1 to 8.

12. A computer program product, comprising a computer program, which when executed by a processor implements the method according to any one of claims 1 to 8.

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